Montgomery County Mortgage Financing
Montgomery County spans a wide range of price points, from Wheaton and Silver Spring to Bethesda and Potomac. CDF Lending works across the county for purchase, refinance, and investment financing.
Montgomery County Loan Programs
Conventional & Jumbo Loans — for Bethesda and Potomac price points
FHA Loans — lower down payment options countywide
VA Loans — zero down for eligible veterans
First-Time Home Buyer Programs — Maryland assistance where eligible
Refinance, Cash-Out & HELOC — for established Montgomery County homeowners
Investment Property Loans — including DSCR
One County, Very Different Markets
A Gaithersburg townhome and a Bethesda single-family carry different financing considerations. Comparing multiple lenders lets the loan follow the property and the borrower rather than one bank’s single set of guidelines.
Across the DMV
Many Montgomery County clients are moving within the region — selling in DC, buying in Bethesda, or holding a rental in Prince George's County. Working with one DMV loan officer keeps a multi-property picture in one place instead of three separate lenders with three separate views of your file.
Frequently Asked Questions
What loan programs work best in Bethesda and Potomac?
Higher price points in these areas often call for jumbo or high-balance conventional financing. Guidelines vary by lender on down payment and reserves, so it is worth comparing before committing.
Is there down payment assistance in Montgomery County?
Maryland state assistance programs apply in Montgomery County, and county-level programs have been available for qualified buyers. Eligibility depends on income and purchase price, which we review during pre-approval.
Can I refinance my Montgomery County home to take cash out?
Yes, if you have sufficient equity. A cash-out refinance replaces your mortgage with a larger loan and returns the difference. A HELOC is an alternative that leaves your first mortgage in place.